[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill-minimax-loan-contract-review":3,"mdc--3op98t-key":37,"related-org-minimax-loan-contract-review":1635,"related-repo-minimax-loan-contract-review":1838},{"slug":4,"name":4,"fn":5,"description":6,"org":7,"tags":12,"stars":26,"repoUrl":27,"updatedAt":28,"license":29,"forks":30,"topics":31,"repo":32,"sourceUrl":35,"mdContent":36},"loan-contract-review","review loan and lending contracts","借款合同专项审查技能，由 contract-review 路由器按合同类型路由加载，不直接面向用户 调用。覆盖场景：企业间借款合同、民间借贷借条与借据、金融机构贷款合同、 股东借款、关联方资金拆借协议、附还款计划的分期借款文本。同义场景词： 借款合同审查、贷款合同审查、借条审查、民间借贷审查、资金拆借协议审查。 执行与 nda-review 同构的全链路：matter 上下文与产物去向检查、出借方\u002F 借款方立场判定、借款立场 playbook 加载或现场补齐、Scope check（民间借贷 与金融借款定性、名为借款实为投资或买卖的藏条款、砍头息与阴阳利率迹象）、 六类分类检查（本金与交付、利率与利息、期限与还款、担保衔接、违约与加速 到期、管辖与争议解决）、按 playbook 三色分桶、输出统一 triage memo。",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},"minimax","MiniMax","https:\u002F\u002Fpexgzepcugksgbtrxkhf.supabase.co\u002Fstorage\u002Fv1\u002Fobject\u002Fpublic\u002Forg-logos\u002Fminimax.jpg","MiniMax-AI",[13,17,20,23],{"name":14,"slug":15,"type":16},"Contracts","contracts","tag",{"name":18,"slug":19,"type":16},"Finance","finance",{"name":21,"slug":22,"type":16},"Legal","legal",{"name":24,"slug":25,"type":16},"Risk Assessment","risk-assessment",5,"https:\u002F\u002Fgithub.com\u002FMiniMax-AI\u002FMiniMax-Code-Plugins","2026-08-27T13:32:55.240349",null,2,[],{"repoUrl":27,"stars":26,"forks":30,"topics":33,"description":34},[],"Community registry and contribution toolkit for MiniMax Code plugins.","https:\u002F\u002Fgithub.com\u002FMiniMax-AI\u002FMiniMax-Code-Plugins\u002Ftree\u002FHEAD\u002Fplugins\u002FHylouis233\u002Fmcodeforlegal\u002Fskills\u002Floan-contract-review","---\nname: loan-contract-review\ndescription: >-\n  借款合同专项审查技能，由 contract-review 路由器按合同类型路由加载，不直接面向用户\n  调用。覆盖场景：企业间借款合同、民间借贷借条与借据、金融机构贷款合同、\n  股东借款、关联方资金拆借协议、附还款计划的分期借款文本。同义场景词：\n  借款合同审查、贷款合同审查、借条审查、民间借贷审查、资金拆借协议审查。\n  执行与 nda-review 同构的全链路：matter 上下文与产物去向检查、出借方\u002F\n  借款方立场判定、借款立场 playbook 加载或现场补齐、Scope check（民间借贷\n  与金融借款定性、名为借款实为投资或买卖的藏条款、砍头息与阴阳利率迹象）、\n  六类分类检查（本金与交付、利率与利息、期限与还款、担保衔接、违约与加速\n  到期、管辖与争议解决）、按 playbook 三色分桶、输出统一 triage memo。\nuser-invocable: false\nmetadata:\n  legal_frame: cn-mainland\n  legal_sources: [{name: 中华人民共和国民法典, effective_date: '2021-01-01'}]\n  last_reviewed: '2026-08-19'\n---\n\n# 借款合同专项审查\n\n## 目的\n\n把一份借款合同从「看利率高不高」变成「按本方立场逐项过堂」：先定性\n（民间借贷还是金融借款、是真借款还是藏了别的法律关系），确认审查视角\n（出借方\u002F借款方），用经确认的 playbook 立场逐项比对，把结果分成\n🟢🟡🔴 三桶，产出一份可直接行动（改、谈、签、停）的 triage memo。\n\n本技能的核心纪律有三条：\n\n1. **定性先于条款**：民间借贷与金融借款的利率规则、监管框架不同；名为\n   借款实为投资、合伙、货款转化的，按真实法律关系另审，不套借款清单；\n2. **结论依附立场**：同一条提前还款条款对出借方是回款安排被打乱、对\n   借款方是资金调度自由，不先定立场就无权下结论；\n3. **🟢 不出自默认值**：🟢 只能基于律师审定的 playbook 立场；画像里\n   还是默认模板时，单份合同最高 🟡（docs\u002Fscenes\u002Fcontract-review-cn.md B3）。\n\n本技能遵守 legal-core Shared guardrails（G1–G12）与docs\u002Fscenes\u002Fcontract-review-cn.md；冲突时以 legal-core 为准。\n\n## 前置检查\n\n1. 已由 `contract-review` 路由器完成画像检查（无 [填空]）与路由确认（用户已\n   认可借款合同类型）；未经路由器直接进来的先补齐。\n2. 文本完整可读；借条、转账凭证、还款计划表、担保合同等附件不齐的，\n   在 reviewer note 的「已读」行如实写明范围。\n3. 用户角色已识别（律师\u002F法务\u002F业务\u002F其他），决定 G4 标头档位与 G5\n   后果门口径；画像未完成时按非律师档处理。\n4. 金额初判：借款金额是否超过画像的合同审批金额阈值；本方对外提供\n   担保是否在画像审批底线清单内——命中即触发 B5 升级，memo 照出但\n   明示「须升级人工」。\n\n## 操作规程\n\n### 第 0 步：Matter context 与 Destination check\n\n- Matter context：查 `matters\u002F_log.yaml`（登记簿 schema 以 legal-core\n  的 `matter-workspace` 为准）；已有相关事项则挂入（memo 存 drafts\u002F，\n  notes.md 追加进展）；可能伴随多轮谈判或分期履行的，建议经\n  `matter-workspace` 建档（提示即可，不强制）。\n- Destination check：产物去向在保密圈外的 flag 并可提供内外双版本；\n  memo 含本方资金成本底线、担保要求等立场信息，外泄直接损害谈判地位。\n  去向不明按仅内部处理，并在 memo 头部注明「未经确认不得外发」。\n\n### 第 1 步：立场判定（出借方 \u002F 借款方）\n\n判定本方在合同中的角色：\n\n- **出借方视角**重点：本金是否实际交付并可举证（转账留痕）；借款人\n  主体资信与还款来源；担保是否落实（保证人签署、抵押\u002F质押登记、公司\n  担保决议）；违约与加速到期触发条件是否顺手；管辖是否便利。\n- **借款方视角**重点：实际到手本金是否与合同一致（砍头息迹象）；\n  综合资金成本（利息之外的服务费、保证金、咨询费等隐性负担）；提前\n  还款是否自由；违约触发条件是否过宽（交叉违约、财务指标约束）；加速\n  到期是否被滥用。\n- 两个视角都查「义务对等性」：逾期利率、违约金只压一方的，本身就是\n  标记项。\n- 文本角色与业务实质不一致的（如名为借款实为固定回报的投资安排），\n  以业务实质为准，在 memo 中说明，并评估是否需向用户提出类型重路由。\n\n### 第 2 步：加载 playbook（借款立场）\n\n- 读取画像中的借款合同立场节；画像无该节时，先核对画像「红线条款与\n  审批底线」中关于利率、担保、对外借款\u002F对外担保的条目。经律师审定的\n  立场直接使用；仍是默认模板的，分桶最高 🟡 并在 memo 中明示。\n- 未填的，现场询问关键立场并**经 `customize` 技能写回画像**（标\n  [已确认—日期]、「未经律师审定」）：\n  1. 可接受的利率区间与综合资金成本上限（具体数字由用户给出，本技能\n     不提供硬编码阈值）；\n  2. 是否接受任何形式的前置扣费（砍头息属原则问题，不接受即红线）；\n  3. 担保要求——出借方视角：必须取得何种担保；借款方视角：可否接受\n     连带责任保证、实控人个人连带；\n  4. 提前还款安排与对应补偿的立场；\n  5. 管辖偏好（与 B9 首选管辖对齐）。\n- 用户拒答或答不出：不编造立场，相关检查项整体 🟡，理由写「立场未\n  确认」。\n\n### 第 3 步：Scope check（定性与藏条款，无条件执行）\n\n通读全文，识别定性错误与藏条款。命中第 2–4 项的**无条件 auto-🟡**\n并在执行摘要第一行明示；命中第 5、6 项的按docs\u002Fscenes\u002Fcontract-review-cn.md A8.1\nblocks 处理：停止、明示、建议转律师：\n\n1. **民间借贷 \u002F 金融借款定性**：出借方是否为金融机构或持牌放贷主体。\n   两类适用不同的利率规则与监管框架 [模型知识—待核实，引用前经\n   statute-verify 核验]；定性错误会导致整条利率检查口径失效。\n2. **名为借款实为投资\u002F合伙**：约定固定回报但文本带有共担风险、参与\n   经营外观，或回报与经营成果挂钩——实为投资或合伙关系，借款检查\n   清单不再适用。\n3. **由其他款项转化而来**：借款由货款、工程款、股权款对账转化（常见\n   的「对账转借条」）——基础法律关系影响利率规则的适用与举证结构\n   [模型知识—待核实]。\n4. **职业放贷迹象**：出借方频繁对外放贷、以此为业——职业放贷背景下\n   借款合同效力存在重大风险 [模型知识—待核实，引用前经\n   statute-verify 核验]。\n5. **阴阳利率**：口头利率与书面利率系统性背离、两套文本，或另行签订\n   「服务费协议」抬高综合成本以规避利率上限——虚假意思表示迹象，\n   按 blocks 第 1 项处理。\n6. **借借款外观规避监管**：如规避外汇、税务、金融准入监管（blocks\n   第 4 项）。\n\n处理方式：藏条款部分不按借款条款清单审查，按真实法律关系另列标记项\n（起点 🟡）；命中画像红线条款的按画像红线纪律（出现即提示，严重度\n下限 🟠，G9）。\n\n### 第 4 步：分类检查清单（六类，调用 risk-clause-database）\n\n逐类检查。**不设硬编码数值阈值**——利率高低、期限长短、违约金比例\n一律比对画像\u002Fplaybook 立场与经核验后的法定上限；立场未覆盖的标 🟡\n写「超出 playbook」。通用条款风险形态调用 `risk-clause-database`\n取统一口径，本节只列借款专项要点：\n\n1. **本金与交付**：本金数额、币种、交付时间与方式（转账留痕；现金\n   交付的举证风险）；**实际到账金额与合同本金是否一致**——利息预先\n   在本金中扣除的，按实际出借数额认定本金并计算利息（民法典第六百\n   七十条 [CITE:__]）；「保证金」「服务费」「咨询费」等名义的前置\n   扣费，实质可能是变相砍头息，并入综合成本测算。自然人之间的借款\n   合同自贷款人提供借款时成立（民法典第六百七十九条相关\n   [模型知识—待核实，引用前经 statute-verify 核验]）——尚未放款的，\n   合同可能未成立。\n2. **利率与利息**：利率表述是年利率还是月利率、单利还是复利；借期内\n   利率、逾期利率、违约金是否叠加及叠加后的综合水平。**民间借贷利率\n   的司法保护上限采一年期贷款市场报价利率（LPR）四倍规则\n   [模型知识—待核实，引用前必须经 statute-verify 核验]**——引用该\n   上限前必须运行 `statute-verify` 核验现行司法解释文本与 LPR 取值\n   口径，未核验不得在 memo 中写死任何数值；金融借款的利率规则不同，\n   不适用该上限 [模型知识—待核实]。禁止高利放贷（民法典第六百八十条\n   [CITE:__]）。利息支付节点；利率无约定或约定不明时的法定处理\n   [模型知识—待核实]。\n3. **期限、还款方式与提前还款**：借款期限与到期日是否明确；还款方式\n   （到期一次性还本付息 \u002F 等额本息 \u002F 等额本金 \u002F 先息后本）与按合同\n   利率的实测是否一致；提前还款是否允许、是否收违约金或补偿金——\n   借款方视角争取提前还款自由，出借方视角关注资金安排被打乱的补偿；\n   分期还款中任一期逾期对全案的影响（与第 5 类加速到期衔接）。\n4. **担保条款衔接**：有无保证、抵押、质押；保证方式是否写明（约定\n   不明时的法定推定 [模型知识—待核实，引用前经 statute-verify\n   核验]）；保证期间是否约定及其长短；抵押\u002F质押的登记安排与担保\n   范围；公司对外提供担保的内部决议要求 [模型知识—待核实]——出借\n   方视角应核查担保人决议文件，否则担保效力存在风险；主从合同的\n   效力衔接 [模型知识—待核实]。担保文件不齐的按缺件如实记录。\n5. **违约与加速到期**：违约情形列举是否清晰、是否单方倾斜；交叉\n   违约、财务指标约束、资金用途监管条款（借款人未按约定用途使用\n   借款时出借人的救济 [模型知识—待核实，引用前经 statute-verify\n   核验]）；加速到期的触发条件、通知程序与后果（全部本息提前到期\n   + 逾期利率起算）；借款方视角重点防「轻微违约即全额加速」；逾期\n   利息与违约金并存的综合负担是否畸高（司法调整空间\n   [模型知识—待核实]）。\n6. **管辖与争议解决**：法院或仲裁、地点，对照画像首选管辖；借款\n   纠纷地域管辖的确定规则 [模型知识—待核实]；主合同与担保合同的\n   管辖约定是否一致；涉外因素的准据法（按 G3 法域识别五步处理）。\n\n红线扫描：全量对照docs\u002Fscenes\u002Fcontract-review-cn.md A8.1 的 blocks 与画像红线。借款\n场景的高发区：阴阳利率文本、变相砍头息、高利放贷、为无资质主体\n规避金融准入、担保链中的虚假意思表示。命中即停止并明示。\n\n### 第 5 步：分桶 🟢🟡🔴\n\n- **🟢 可推进**：六类检查项全部落在经律师审定的 playbook 立场之内。\n  默认模板立场不得给 🟢，最高 🟡。\n- **🟡 需修订或需人判断**：偏离 playbook 但可修；playbook 未覆盖；\n  命中 Scope check 第 2–4 项；定性或利率口径待核验。\n- **🔴 不得推进**：命中 blocks 红线或画像审批底线；或条款组合构成\n  重大不利且不可经修改补救（如借款方视角下「砍头息 + 复利计息 +\n  轻微违约即全额加速 + 实控人个人无限连带」的组合）。\n- **双轴标注**：每个标记项同时按 G9 给法律风险轴（🔴🟠🟡🟢）与商业\n  摩擦轴（阻碍\u002F拖慢\u002F费解\u002F无感）。分桶时先看组合、再看单项。\n\n### 第 6 步：输出 memo\n\n使用统一 triage memo 模板（见下方）。执行摘要只放机械性一行修改；\n凡是需要起草新语言的（重写利率条款、补担保衔接安排），建议栏只写\n「**建议转法务起草**」，不在 memo 里代拟。\n\n### 第 7 步：后果门与收尾\n\n- 结论含 🔴：memo 首页明示「**本合同不提交签署流程、不向相对方作出\n  任何承诺**」，按 G5 生成「带给律师的一页 brief」，非律师用户到此\n  停止。\n- 结论 🟢 且用户为非律师：进入签署\u002F放款流程前按 G5 动作闸门——显式\n  确认知悉后果并获得明确指令，同时生成律师 brief；含糊回应不放行。\n- 结论 🟡：逐条给出修改建议或「建议转法务起草」，改完可重新过一遍\n  本技能。\n- 含还款计划、担保期间、展期安排的：提示并经用户同意后调用\n  `renewal-tracker`，把到期日写入 contracts\u002Frenewal-register.yaml。\n- 全部条文引用过 `citation-audit`（G10）；未核验的保持 [CITE:__]\n  占位，FAIL 状态不得外发。\n\n## 输出模板\n\n```markdown\n【保密标头：按 G4 二选一——律师「保密·内部法律分析」\u002F 非律师\n「研究备忘——不构成法律意见，使用前请经执业律师复核」】\n\n# 借款合同审查 memo：\u003C合同名称>\n\n## Reviewer note\n- 来源：\u003C文本清单（合同\u002F借条\u002F还款计划\u002F担保文件）及来源标注；playbook\n  立场 [已确认—日期，是否经律师审定]>\n- 已读：\u003C全文 \u002F 指定范围；缺件说明>\n- 标记：结论 🔴 不得推进 \u002F 🟡 需修订或需人判断 \u002F 🟢 可推进；\n  单项 = 法律风险轴（🔴🟠🟡🟢）× 商业摩擦轴（阻碍\u002F拖慢\u002F费解\u002F无感）\n- 时效：\u003C法律状态核查日期；未核验写\"未核验\">\n- 使用前注意：\u003C去向限制；非律师用户注明\"本 memo 不是法律意见\"；\n  超阈值或定性存疑时注明\"已触发升级\">\n\n## 执行摘要\n\u003C若定性异常或含藏条款，第一行必须是：本合同名为借款合同，实际含有\nXX 安排 \u002F 实为 XX 法律关系>\n\u003C三句话以内：立场（出借方\u002F借款方）、总体结论、最关键的一件事>\n\u003C机械性一行修改清单；需起草的只写\"建议转法务起草\">\n\n## 标记项\n| # | 条款位置 | 问题 | 法律风险轴 | 商业摩擦轴 | 建议改法 | 依据 |\n| --- | --- | --- | --- | --- | --- | --- |\n| 1 | 第 X 条 | \u003C问题> | 🔴\u002F🟠\u002F🟡\u002F🟢 | 阻碍\u002F拖慢\u002F费解\u002F无感 | \u003C一行修改 或 \"建议转法务起草\"> | [CITE:__] |\n\n## 通过项（简表）\n\u003C符合 playbook 的条款，一行一条>\n\n## FYI\n\u003C偏离市场惯例但合法的记录>\n\n## [需复核] 清单\n\u003C全文内联 [需复核] 项的汇总（G8）>\n\n## 下一步\n\u003C按第 7 步后果门的决策树展开>\n```\n\n## 常见误判与边界提示\n\n1. **借条不等于借款合同全貌**：只有借条没有借款合同时，交付凭证、\n   还款记录、聊天记录都是认定本金与利率的材料；已读范围如实写明，\n   不把「只有一张借条」当「没有风险」。\n2. **「月息 X 分」的换算歧义**：分\u002F厘口径在年利率换算中歧义高发，\n   一律要求换算成年利率并标 [需复核]，不凭习惯直接采信某一换算。\n3. **主体混同**：法定代表人以个人名义借款用于公司经营、或夫妻一方\n   举债的，债务人范围与共同债务认定是独立问题 [模型知识—待核实]，\n   超出 playbook 时标 🟡 并建议律师介入。\n4. **借新还旧对担保的影响**：借新还旧安排下担保责任的变化\n   [模型知识—待核实，引用前经 statute-verify 核验]——出借方视角\n   重点核查，不能默认担保自然延续。\n5. **网贷\u002F平台借款文本**：格式条款占比高、几乎没有谈判空间；按本\n   技能审查，同时提示「不接受可能影响授信」的商业摩擦（商业摩擦轴：\n   阻碍），由业务负责人拍板。\n6. **组合判断提示**：单条看不严重的条款组合起来可能构成 🔴——典型\n   如借款方视角下「前置扣费 + 高逾期利率 + 交叉违约 + 全额加速 +\n   个人连带」的组合。分桶先看组合、再看单项。\n\n## 本技能不做什么\n\n- 不代拟借款合同或担保条款语言——需起草的一律「建议转法务起草」。\n- 不凭默认值给 🟢：playbook 未经律师审定时，结论天花板是 🟡。\n- 不写死利率上限数值：LPR 四倍规则未经 `statute-verify` 核验前，\n  memo 中只给口径说明，不给数字。\n- 不设硬编码阈值（利率多少算高、期限多长算长），一切比对画像\u002F\n  playbook 立场与经核验的法定上限。\n- 不替用户做放款\u002F借款的商业决策，只标风险与摩擦。\n- 不处理 🔴 事项的后续（不出绕行方案，生成律师 brief 后停止）。\n- 不做法律意见陈述：对非律师用户的全部输出受 G5 UPL 门控。\n- 不直接手改画像：现场取得的立场经 `customize` 写回。\n\n## 收尾与下一步\n\n1. memo 交付后按第 7 步后果门分流：🔴 停止并转律师；🟡 修订后复审；\n   🟢 走 G5 显式确认 + 律师 brief。\n2. 含还款计划\u002F担保期间\u002F展期条款 → `renewal-tracker` 登记\n   contracts\u002Frenewal-register.yaml。\n3. 全部引用过 `citation-audit`；条文原文经 `statute-verify` 核验\n   （重点：LPR 四倍规则的现行司法解释文本、保证方式推定规则）。\n4. 用户需要给业务方看的版本 → `contract-summary`（Quiet mode；上游\n   严重度只作下限，降级须声明理由——G9）。\n5. 进入多轮谈判或分期履行管理的，提示经 `matter-workspace` 建档，\n   后续展期、变更挂同一事项 slug。\n6. 审查中发现画像借款立场缺失或覆盖不全的，提示经 `customize` 完善\n   playbook——playbook 越完整且经律师审定，未来给出 🟢 的空间越大。\n",{"data":38,"body":47},{"name":4,"description":6,"user-invocable":39,"metadata":40},false,{"legal_frame":41,"legal_sources":42,"last_reviewed":46},"cn-mainland",[43],{"name":44,"effective_date":45},"中华人民共和国民法典","2021-01-01","2026-08-19",{"type":48,"children":49},"root",[50,58,64,70,75,111,116,121,161,166,173,210,216,221,254,260,328,334,346,428,433,439,459,625,630,636,679,685,697,703,760,765,1400,1405,1486,1491,1548,1553,1629],{"type":51,"tag":52,"props":53,"children":55},"element","h1",{"id":54},"借款合同专项审查",[56],{"type":57,"value":54},"text",{"type":51,"tag":59,"props":60,"children":62},"h2",{"id":61},"目的",[63],{"type":57,"value":61},{"type":51,"tag":65,"props":66,"children":67},"p",{},[68],{"type":57,"value":69},"把一份借款合同从「看利率高不高」变成「按本方立场逐项过堂」：先定性\n（民间借贷还是金融借款、是真借款还是藏了别的法律关系），确认审查视角\n（出借方\u002F借款方），用经确认的 playbook 立场逐项比对，把结果分成\n🟢🟡🔴 三桶，产出一份可直接行动（改、谈、签、停）的 triage memo。",{"type":51,"tag":65,"props":71,"children":72},{},[73],{"type":57,"value":74},"本技能的核心纪律有三条：",{"type":51,"tag":76,"props":77,"children":78},"ol",{},[79,91,101],{"type":51,"tag":80,"props":81,"children":82},"li",{},[83,89],{"type":51,"tag":84,"props":85,"children":86},"strong",{},[87],{"type":57,"value":88},"定性先于条款",{"type":57,"value":90},"：民间借贷与金融借款的利率规则、监管框架不同；名为\n借款实为投资、合伙、货款转化的，按真实法律关系另审，不套借款清单；",{"type":51,"tag":80,"props":92,"children":93},{},[94,99],{"type":51,"tag":84,"props":95,"children":96},{},[97],{"type":57,"value":98},"结论依附立场",{"type":57,"value":100},"：同一条提前还款条款对出借方是回款安排被打乱、对\n借款方是资金调度自由，不先定立场就无权下结论；",{"type":51,"tag":80,"props":102,"children":103},{},[104,109],{"type":51,"tag":84,"props":105,"children":106},{},[107],{"type":57,"value":108},"🟢 不出自默认值",{"type":57,"value":110},"：🟢 只能基于律师审定的 playbook 立场；画像里\n还是默认模板时，单份合同最高 🟡（docs\u002Fscenes\u002Fcontract-review-cn.md B3）。",{"type":51,"tag":65,"props":112,"children":113},{},[114],{"type":57,"value":115},"本技能遵守 legal-core Shared guardrails（G1–G12）与docs\u002Fscenes\u002Fcontract-review-cn.md；冲突时以 legal-core 为准。",{"type":51,"tag":59,"props":117,"children":119},{"id":118},"前置检查",[120],{"type":57,"value":118},{"type":51,"tag":76,"props":122,"children":123},{},[124,146,151,156],{"type":51,"tag":80,"props":125,"children":126},{},[127,129,136,138,144],{"type":57,"value":128},"已由 ",{"type":51,"tag":130,"props":131,"children":133},"code",{"className":132},[],[134],{"type":57,"value":135},"contract-review",{"type":57,"value":137}," 路由器完成画像检查（无 ",{"type":51,"tag":139,"props":140,"children":141},"span",{},[142],{"type":57,"value":143},"填空",{"type":57,"value":145},"）与路由确认（用户已\n认可借款合同类型）；未经路由器直接进来的先补齐。",{"type":51,"tag":80,"props":147,"children":148},{},[149],{"type":57,"value":150},"文本完整可读；借条、转账凭证、还款计划表、担保合同等附件不齐的，\n在 reviewer note 的「已读」行如实写明范围。",{"type":51,"tag":80,"props":152,"children":153},{},[154],{"type":57,"value":155},"用户角色已识别（律师\u002F法务\u002F业务\u002F其他），决定 G4 标头档位与 G5\n后果门口径；画像未完成时按非律师档处理。",{"type":51,"tag":80,"props":157,"children":158},{},[159],{"type":57,"value":160},"金额初判：借款金额是否超过画像的合同审批金额阈值；本方对外提供\n担保是否在画像审批底线清单内——命中即触发 B5 升级，memo 照出但\n明示「须升级人工」。",{"type":51,"tag":59,"props":162,"children":164},{"id":163},"操作规程",[165],{"type":57,"value":163},{"type":51,"tag":167,"props":168,"children":170},"h3",{"id":169},"第-0-步matter-context-与-destination-check",[171],{"type":57,"value":172},"第 0 步：Matter context 与 Destination check",{"type":51,"tag":174,"props":175,"children":176},"ul",{},[177,205],{"type":51,"tag":80,"props":178,"children":179},{},[180,182,188,190,196,198,203],{"type":57,"value":181},"Matter context：查 ",{"type":51,"tag":130,"props":183,"children":185},{"className":184},[],[186],{"type":57,"value":187},"matters\u002F_log.yaml",{"type":57,"value":189},"（登记簿 schema 以 legal-core\n的 ",{"type":51,"tag":130,"props":191,"children":193},{"className":192},[],[194],{"type":57,"value":195},"matter-workspace",{"type":57,"value":197}," 为准）；已有相关事项则挂入（memo 存 drafts\u002F，\nnotes.md 追加进展）；可能伴随多轮谈判或分期履行的，建议经\n",{"type":51,"tag":130,"props":199,"children":201},{"className":200},[],[202],{"type":57,"value":195},{"type":57,"value":204}," 建档（提示即可，不强制）。",{"type":51,"tag":80,"props":206,"children":207},{},[208],{"type":57,"value":209},"Destination check：产物去向在保密圈外的 flag 并可提供内外双版本；\nmemo 含本方资金成本底线、担保要求等立场信息，外泄直接损害谈判地位。\n去向不明按仅内部处理，并在 memo 头部注明「未经确认不得外发」。",{"type":51,"tag":167,"props":211,"children":213},{"id":212},"第-1-步立场判定出借方-借款方",[214],{"type":57,"value":215},"第 1 步：立场判定（出借方 \u002F 借款方）",{"type":51,"tag":65,"props":217,"children":218},{},[219],{"type":57,"value":220},"判定本方在合同中的角色：",{"type":51,"tag":174,"props":222,"children":223},{},[224,234,244,249],{"type":51,"tag":80,"props":225,"children":226},{},[227,232],{"type":51,"tag":84,"props":228,"children":229},{},[230],{"type":57,"value":231},"出借方视角",{"type":57,"value":233},"重点：本金是否实际交付并可举证（转账留痕）；借款人\n主体资信与还款来源；担保是否落实（保证人签署、抵押\u002F质押登记、公司\n担保决议）；违约与加速到期触发条件是否顺手；管辖是否便利。",{"type":51,"tag":80,"props":235,"children":236},{},[237,242],{"type":51,"tag":84,"props":238,"children":239},{},[240],{"type":57,"value":241},"借款方视角",{"type":57,"value":243},"重点：实际到手本金是否与合同一致（砍头息迹象）；\n综合资金成本（利息之外的服务费、保证金、咨询费等隐性负担）；提前\n还款是否自由；违约触发条件是否过宽（交叉违约、财务指标约束）；加速\n到期是否被滥用。",{"type":51,"tag":80,"props":245,"children":246},{},[247],{"type":57,"value":248},"两个视角都查「义务对等性」：逾期利率、违约金只压一方的，本身就是\n标记项。",{"type":51,"tag":80,"props":250,"children":251},{},[252],{"type":57,"value":253},"文本角色与业务实质不一致的（如名为借款实为固定回报的投资安排），\n以业务实质为准，在 memo 中说明，并评估是否需向用户提出类型重路由。",{"type":51,"tag":167,"props":255,"children":257},{"id":256},"第-2-步加载-playbook借款立场",[258],{"type":57,"value":259},"第 2 步：加载 playbook（借款立场）",{"type":51,"tag":174,"props":261,"children":262},{},[263,268,323],{"type":51,"tag":80,"props":264,"children":265},{},[266],{"type":57,"value":267},"读取画像中的借款合同立场节；画像无该节时，先核对画像「红线条款与\n审批底线」中关于利率、担保、对外借款\u002F对外担保的条目。经律师审定的\n立场直接使用；仍是默认模板的，分桶最高 🟡 并在 memo 中明示。",{"type":51,"tag":80,"props":269,"children":270},{},[271,273,286,288,293,295],{"type":57,"value":272},"未填的，现场询问关键立场并",{"type":51,"tag":84,"props":274,"children":275},{},[276,278,284],{"type":57,"value":277},"经 ",{"type":51,"tag":130,"props":279,"children":281},{"className":280},[],[282],{"type":57,"value":283},"customize",{"type":57,"value":285}," 技能写回画像",{"type":57,"value":287},"（标\n",{"type":51,"tag":139,"props":289,"children":290},{},[291],{"type":57,"value":292},"已确认—日期",{"type":57,"value":294},"、「未经律师审定」）：\n",{"type":51,"tag":76,"props":296,"children":297},{},[298,303,308,313,318],{"type":51,"tag":80,"props":299,"children":300},{},[301],{"type":57,"value":302},"可接受的利率区间与综合资金成本上限（具体数字由用户给出，本技能\n不提供硬编码阈值）；",{"type":51,"tag":80,"props":304,"children":305},{},[306],{"type":57,"value":307},"是否接受任何形式的前置扣费（砍头息属原则问题，不接受即红线）；",{"type":51,"tag":80,"props":309,"children":310},{},[311],{"type":57,"value":312},"担保要求——出借方视角：必须取得何种担保；借款方视角：可否接受\n连带责任保证、实控人个人连带；",{"type":51,"tag":80,"props":314,"children":315},{},[316],{"type":57,"value":317},"提前还款安排与对应补偿的立场；",{"type":51,"tag":80,"props":319,"children":320},{},[321],{"type":57,"value":322},"管辖偏好（与 B9 首选管辖对齐）。",{"type":51,"tag":80,"props":324,"children":325},{},[326],{"type":57,"value":327},"用户拒答或答不出：不编造立场，相关检查项整体 🟡，理由写「立场未\n确认」。",{"type":51,"tag":167,"props":329,"children":331},{"id":330},"第-3-步scope-check定性与藏条款无条件执行",[332],{"type":57,"value":333},"第 3 步：Scope check（定性与藏条款，无条件执行）",{"type":51,"tag":65,"props":335,"children":336},{},[337,339,344],{"type":57,"value":338},"通读全文，识别定性错误与藏条款。命中第 2–4 项的",{"type":51,"tag":84,"props":340,"children":341},{},[342],{"type":57,"value":343},"无条件 auto-🟡",{"type":57,"value":345},"\n并在执行摘要第一行明示；命中第 5、6 项的按docs\u002Fscenes\u002Fcontract-review-cn.md A8.1\nblocks 处理：停止、明示、建议转律师：",{"type":51,"tag":76,"props":347,"children":348},{},[349,366,376,393,408,418],{"type":51,"tag":80,"props":350,"children":351},{},[352,357,359,364],{"type":51,"tag":84,"props":353,"children":354},{},[355],{"type":57,"value":356},"民间借贷 \u002F 金融借款定性",{"type":57,"value":358},"：出借方是否为金融机构或持牌放贷主体。\n两类适用不同的利率规则与监管框架 ",{"type":51,"tag":139,"props":360,"children":361},{},[362],{"type":57,"value":363},"模型知识—待核实，引用前经\nstatute-verify 核验",{"type":57,"value":365},"；定性错误会导致整条利率检查口径失效。",{"type":51,"tag":80,"props":367,"children":368},{},[369,374],{"type":51,"tag":84,"props":370,"children":371},{},[372],{"type":57,"value":373},"名为借款实为投资\u002F合伙",{"type":57,"value":375},"：约定固定回报但文本带有共担风险、参与\n经营外观，或回报与经营成果挂钩——实为投资或合伙关系，借款检查\n清单不再适用。",{"type":51,"tag":80,"props":377,"children":378},{},[379,384,386,391],{"type":51,"tag":84,"props":380,"children":381},{},[382],{"type":57,"value":383},"由其他款项转化而来",{"type":57,"value":385},"：借款由货款、工程款、股权款对账转化（常见\n的「对账转借条」）——基础法律关系影响利率规则的适用与举证结构\n",{"type":51,"tag":139,"props":387,"children":388},{},[389],{"type":57,"value":390},"模型知识—待核实",{"type":57,"value":392},"。",{"type":51,"tag":80,"props":394,"children":395},{},[396,401,403,407],{"type":51,"tag":84,"props":397,"children":398},{},[399],{"type":57,"value":400},"职业放贷迹象",{"type":57,"value":402},"：出借方频繁对外放贷、以此为业——职业放贷背景下\n借款合同效力存在重大风险 ",{"type":51,"tag":139,"props":404,"children":405},{},[406],{"type":57,"value":363},{"type":57,"value":392},{"type":51,"tag":80,"props":409,"children":410},{},[411,416],{"type":51,"tag":84,"props":412,"children":413},{},[414],{"type":57,"value":415},"阴阳利率",{"type":57,"value":417},"：口头利率与书面利率系统性背离、两套文本，或另行签订\n「服务费协议」抬高综合成本以规避利率上限——虚假意思表示迹象，\n按 blocks 第 1 项处理。",{"type":51,"tag":80,"props":419,"children":420},{},[421,426],{"type":51,"tag":84,"props":422,"children":423},{},[424],{"type":57,"value":425},"借借款外观规避监管",{"type":57,"value":427},"：如规避外汇、税务、金融准入监管（blocks\n第 4 项）。",{"type":51,"tag":65,"props":429,"children":430},{},[431],{"type":57,"value":432},"处理方式：藏条款部分不按借款条款清单审查，按真实法律关系另列标记项\n（起点 🟡）；命中画像红线条款的按画像红线纪律（出现即提示，严重度\n下限 🟠，G9）。",{"type":51,"tag":167,"props":434,"children":436},{"id":435},"第-4-步分类检查清单六类调用-risk-clause-database",[437],{"type":57,"value":438},"第 4 步：分类检查清单（六类，调用 risk-clause-database）",{"type":51,"tag":65,"props":440,"children":441},{},[442,444,449,451,457],{"type":57,"value":443},"逐类检查。",{"type":51,"tag":84,"props":445,"children":446},{},[447],{"type":57,"value":448},"不设硬编码数值阈值",{"type":57,"value":450},"——利率高低、期限长短、违约金比例\n一律比对画像\u002Fplaybook 立场与经核验后的法定上限；立场未覆盖的标 🟡\n写「超出 playbook」。通用条款风险形态调用 ",{"type":51,"tag":130,"props":452,"children":454},{"className":453},[],[455],{"type":57,"value":456},"risk-clause-database",{"type":57,"value":458},"\n取统一口径，本节只列借款专项要点：",{"type":51,"tag":76,"props":460,"children":461},{},[462,493,540,550,579,609],{"type":51,"tag":80,"props":463,"children":464},{},[465,470,472,477,479,484,486,491],{"type":51,"tag":84,"props":466,"children":467},{},[468],{"type":57,"value":469},"本金与交付",{"type":57,"value":471},"：本金数额、币种、交付时间与方式（转账留痕；现金\n交付的举证风险）；",{"type":51,"tag":84,"props":473,"children":474},{},[475],{"type":57,"value":476},"实际到账金额与合同本金是否一致",{"type":57,"value":478},"——利息预先\n在本金中扣除的，按实际出借数额认定本金并计算利息（民法典第六百\n七十条 ",{"type":51,"tag":139,"props":480,"children":481},{},[482],{"type":57,"value":483},"CITE:__",{"type":57,"value":485},"）；「保证金」「服务费」「咨询费」等名义的前置\n扣费，实质可能是变相砍头息，并入综合成本测算。自然人之间的借款\n合同自贷款人提供借款时成立（民法典第六百七十九条相关\n",{"type":51,"tag":139,"props":487,"children":488},{},[489],{"type":57,"value":490},"模型知识—待核实，引用前经 statute-verify 核验",{"type":57,"value":492},"）——尚未放款的，\n合同可能未成立。",{"type":51,"tag":80,"props":494,"children":495},{},[496,501,503,513,515,521,523,527,529,533,535,539],{"type":51,"tag":84,"props":497,"children":498},{},[499],{"type":57,"value":500},"利率与利息",{"type":57,"value":502},"：利率表述是年利率还是月利率、单利还是复利；借期内\n利率、逾期利率、违约金是否叠加及叠加后的综合水平。",{"type":51,"tag":84,"props":504,"children":505},{},[506,508],{"type":57,"value":507},"民间借贷利率\n的司法保护上限采一年期贷款市场报价利率（LPR）四倍规则\n",{"type":51,"tag":139,"props":509,"children":510},{},[511],{"type":57,"value":512},"模型知识—待核实，引用前必须经 statute-verify 核验",{"type":57,"value":514},"——引用该\n上限前必须运行 ",{"type":51,"tag":130,"props":516,"children":518},{"className":517},[],[519],{"type":57,"value":520},"statute-verify",{"type":57,"value":522}," 核验现行司法解释文本与 LPR 取值\n口径，未核验不得在 memo 中写死任何数值；金融借款的利率规则不同，\n不适用该上限 ",{"type":51,"tag":139,"props":524,"children":525},{},[526],{"type":57,"value":390},{"type":57,"value":528},"。禁止高利放贷（民法典第六百八十条\n",{"type":51,"tag":139,"props":530,"children":531},{},[532],{"type":57,"value":483},{"type":57,"value":534},"）。利息支付节点；利率无约定或约定不明时的法定处理\n",{"type":51,"tag":139,"props":536,"children":537},{},[538],{"type":57,"value":390},{"type":57,"value":392},{"type":51,"tag":80,"props":541,"children":542},{},[543,548],{"type":51,"tag":84,"props":544,"children":545},{},[546],{"type":57,"value":547},"期限、还款方式与提前还款",{"type":57,"value":549},"：借款期限与到期日是否明确；还款方式\n（到期一次性还本付息 \u002F 等额本息 \u002F 等额本金 \u002F 先息后本）与按合同\n利率的实测是否一致；提前还款是否允许、是否收违约金或补偿金——\n借款方视角争取提前还款自由，出借方视角关注资金安排被打乱的补偿；\n分期还款中任一期逾期对全案的影响（与第 5 类加速到期衔接）。",{"type":51,"tag":80,"props":551,"children":552},{},[553,558,560,565,567,571,573,577],{"type":51,"tag":84,"props":554,"children":555},{},[556],{"type":57,"value":557},"担保条款衔接",{"type":57,"value":559},"：有无保证、抵押、质押；保证方式是否写明（约定\n不明时的法定推定 ",{"type":51,"tag":139,"props":561,"children":562},{},[563],{"type":57,"value":564},"模型知识—待核实，引用前经 statute-verify\n核验",{"type":57,"value":566},"）；保证期间是否约定及其长短；抵押\u002F质押的登记安排与担保\n范围；公司对外提供担保的内部决议要求 ",{"type":51,"tag":139,"props":568,"children":569},{},[570],{"type":57,"value":390},{"type":57,"value":572},"——出借\n方视角应核查担保人决议文件，否则担保效力存在风险；主从合同的\n效力衔接 ",{"type":51,"tag":139,"props":574,"children":575},{},[576],{"type":57,"value":390},{"type":57,"value":578},"。担保文件不齐的按缺件如实记录。",{"type":51,"tag":80,"props":580,"children":581},{},[582,587,589,593,595],{"type":51,"tag":84,"props":583,"children":584},{},[585],{"type":57,"value":586},"违约与加速到期",{"type":57,"value":588},"：违约情形列举是否清晰、是否单方倾斜；交叉\n违约、财务指标约束、资金用途监管条款（借款人未按约定用途使用\n借款时出借人的救济 ",{"type":51,"tag":139,"props":590,"children":591},{},[592],{"type":57,"value":564},{"type":57,"value":594},"）；加速到期的触发条件、通知程序与后果（全部本息提前到期\n",{"type":51,"tag":174,"props":596,"children":597},{},[598],{"type":51,"tag":80,"props":599,"children":600},{},[601,603,607],{"type":57,"value":602},"逾期利率起算）；借款方视角重点防「轻微违约即全额加速」；逾期\n利息与违约金并存的综合负担是否畸高（司法调整空间\n",{"type":51,"tag":139,"props":604,"children":605},{},[606],{"type":57,"value":390},{"type":57,"value":608},"）。",{"type":51,"tag":80,"props":610,"children":611},{},[612,617,619,623],{"type":51,"tag":84,"props":613,"children":614},{},[615],{"type":57,"value":616},"管辖与争议解决",{"type":57,"value":618},"：法院或仲裁、地点，对照画像首选管辖；借款\n纠纷地域管辖的确定规则 ",{"type":51,"tag":139,"props":620,"children":621},{},[622],{"type":57,"value":390},{"type":57,"value":624},"；主合同与担保合同的\n管辖约定是否一致；涉外因素的准据法（按 G3 法域识别五步处理）。",{"type":51,"tag":65,"props":626,"children":627},{},[628],{"type":57,"value":629},"红线扫描：全量对照docs\u002Fscenes\u002Fcontract-review-cn.md A8.1 的 blocks 与画像红线。借款\n场景的高发区：阴阳利率文本、变相砍头息、高利放贷、为无资质主体\n规避金融准入、担保链中的虚假意思表示。命中即停止并明示。",{"type":51,"tag":167,"props":631,"children":633},{"id":632},"第-5-步分桶",[634],{"type":57,"value":635},"第 5 步：分桶 🟢🟡🔴",{"type":51,"tag":174,"props":637,"children":638},{},[639,649,659,669],{"type":51,"tag":80,"props":640,"children":641},{},[642,647],{"type":51,"tag":84,"props":643,"children":644},{},[645],{"type":57,"value":646},"🟢 可推进",{"type":57,"value":648},"：六类检查项全部落在经律师审定的 playbook 立场之内。\n默认模板立场不得给 🟢，最高 🟡。",{"type":51,"tag":80,"props":650,"children":651},{},[652,657],{"type":51,"tag":84,"props":653,"children":654},{},[655],{"type":57,"value":656},"🟡 需修订或需人判断",{"type":57,"value":658},"：偏离 playbook 但可修；playbook 未覆盖；\n命中 Scope check 第 2–4 项；定性或利率口径待核验。",{"type":51,"tag":80,"props":660,"children":661},{},[662,667],{"type":51,"tag":84,"props":663,"children":664},{},[665],{"type":57,"value":666},"🔴 不得推进",{"type":57,"value":668},"：命中 blocks 红线或画像审批底线；或条款组合构成\n重大不利且不可经修改补救（如借款方视角下「砍头息 + 复利计息 +\n轻微违约即全额加速 + 实控人个人无限连带」的组合）。",{"type":51,"tag":80,"props":670,"children":671},{},[672,677],{"type":51,"tag":84,"props":673,"children":674},{},[675],{"type":57,"value":676},"双轴标注",{"type":57,"value":678},"：每个标记项同时按 G9 给法律风险轴（🔴🟠🟡🟢）与商业\n摩擦轴（阻碍\u002F拖慢\u002F费解\u002F无感）。分桶时先看组合、再看单项。",{"type":51,"tag":167,"props":680,"children":682},{"id":681},"第-6-步输出-memo",[683],{"type":57,"value":684},"第 6 步：输出 memo",{"type":51,"tag":65,"props":686,"children":687},{},[688,690,695],{"type":57,"value":689},"使用统一 triage memo 模板（见下方）。执行摘要只放机械性一行修改；\n凡是需要起草新语言的（重写利率条款、补担保衔接安排），建议栏只写\n「",{"type":51,"tag":84,"props":691,"children":692},{},[693],{"type":57,"value":694},"建议转法务起草",{"type":57,"value":696},"」，不在 memo 里代拟。",{"type":51,"tag":167,"props":698,"children":700},{"id":699},"第-7-步后果门与收尾",[701],{"type":57,"value":702},"第 7 步：后果门与收尾",{"type":51,"tag":174,"props":704,"children":705},{},[706,718,723,728,741],{"type":51,"tag":80,"props":707,"children":708},{},[709,711,716],{"type":57,"value":710},"结论含 🔴：memo 首页明示「",{"type":51,"tag":84,"props":712,"children":713},{},[714],{"type":57,"value":715},"本合同不提交签署流程、不向相对方作出\n任何承诺",{"type":57,"value":717},"」，按 G5 生成「带给律师的一页 brief」，非律师用户到此\n停止。",{"type":51,"tag":80,"props":719,"children":720},{},[721],{"type":57,"value":722},"结论 🟢 且用户为非律师：进入签署\u002F放款流程前按 G5 动作闸门——显式\n确认知悉后果并获得明确指令，同时生成律师 brief；含糊回应不放行。",{"type":51,"tag":80,"props":724,"children":725},{},[726],{"type":57,"value":727},"结论 🟡：逐条给出修改建议或「建议转法务起草」，改完可重新过一遍\n本技能。",{"type":51,"tag":80,"props":729,"children":730},{},[731,733,739],{"type":57,"value":732},"含还款计划、担保期间、展期安排的：提示并经用户同意后调用\n",{"type":51,"tag":130,"props":734,"children":736},{"className":735},[],[737],{"type":57,"value":738},"renewal-tracker",{"type":57,"value":740},"，把到期日写入 contracts\u002Frenewal-register.yaml。",{"type":51,"tag":80,"props":742,"children":743},{},[744,746,752,754,758],{"type":57,"value":745},"全部条文引用过 ",{"type":51,"tag":130,"props":747,"children":749},{"className":748},[],[750],{"type":57,"value":751},"citation-audit",{"type":57,"value":753},"（G10）；未核验的保持 ",{"type":51,"tag":139,"props":755,"children":756},{},[757],{"type":57,"value":483},{"type":57,"value":759},"\n占位，FAIL 状态不得外发。",{"type":51,"tag":59,"props":761,"children":763},{"id":762},"输出模板",[764],{"type":57,"value":762},{"type":51,"tag":766,"props":767,"children":772},"pre",{"className":768,"code":769,"language":770,"meta":771,"style":771},"language-markdown shiki shiki-themes material-theme-lighter material-theme material-theme-palenight","【保密标头：按 G4 二选一——律师「保密·内部法律分析」\u002F 非律师\n「研究备忘——不构成法律意见，使用前请经执业律师复核」】\n\n# 借款合同审查 memo：\u003C合同名称>\n\n## Reviewer note\n- 来源：\u003C文本清单（合同\u002F借条\u002F还款计划\u002F担保文件）及来源标注；playbook\n  立场 [已确认—日期，是否经律师审定]>\n- 已读：\u003C全文 \u002F 指定范围；缺件说明>\n- 标记：结论 🔴 不得推进 \u002F 🟡 需修订或需人判断 \u002F 🟢 可推进；\n  单项 = 法律风险轴（🔴🟠🟡🟢）× 商业摩擦轴（阻碍\u002F拖慢\u002F费解\u002F无感）\n- 时效：\u003C法律状态核查日期；未核验写\"未核验\">\n- 使用前注意：\u003C去向限制；非律师用户注明\"本 memo 不是法律意见\"；\n  超阈值或定性存疑时注明\"已触发升级\">\n\n## 执行摘要\n\u003C若定性异常或含藏条款，第一行必须是：本合同名为借款合同，实际含有\nXX 安排 \u002F 实为 XX 法律关系>\n\u003C三句话以内：立场（出借方\u002F借款方）、总体结论、最关键的一件事>\n\u003C机械性一行修改清单；需起草的只写\"建议转法务起草\">\n\n## 标记项\n| # | 条款位置 | 问题 | 法律风险轴 | 商业摩擦轴 | 建议改法 | 依据 |\n| --- | --- | --- | --- | --- | --- | --- |\n| 1 | 第 X 条 | \u003C问题> | 🔴\u002F🟠\u002F🟡\u002F🟢 | 阻碍\u002F拖慢\u002F费解\u002F无感 | \u003C一行修改 或 \"建议转法务起草\"> | [CITE:__] |\n\n## 通过项（简表）\n\u003C符合 playbook 的条款，一行一条>\n\n## FYI\n\u003C偏离市场惯例但合法的记录>\n\n## [需复核] 清单\n\u003C全文内联 [需复核] 项的汇总（G8）>\n\n## 下一步\n\u003C按第 7 步后果门的决策树展开>\n","markdown","",[773],{"type":51,"tag":130,"props":774,"children":775},{"__ignoreMap":771},[776,787,795,805,821,828,842,856,886,899,912,921,934,947,956,964,977,986,995,1004,1013,1021,1034,1107,1174,1253,1261,1274,1283,1291,1304,1313,1321,1344,1370,1378,1391],{"type":51,"tag":139,"props":777,"children":780},{"class":778,"line":779},"line",1,[781],{"type":51,"tag":139,"props":782,"children":784},{"style":783},"--shiki-light:#90A4AE;--shiki-default:#EEFFFF;--shiki-dark:#BABED8",[785],{"type":57,"value":786},"【保密标头：按 G4 二选一——律师「保密·内部法律分析」\u002F 非律师\n",{"type":51,"tag":139,"props":788,"children":789},{"class":778,"line":30},[790],{"type":51,"tag":139,"props":791,"children":792},{"style":783},[793],{"type":57,"value":794},"「研究备忘——不构成法律意见，使用前请经执业律师复核」】\n",{"type":51,"tag":139,"props":796,"children":798},{"class":778,"line":797},3,[799],{"type":51,"tag":139,"props":800,"children":802},{"emptyLinePlaceholder":801},true,[803],{"type":57,"value":804},"\n",{"type":51,"tag":139,"props":806,"children":808},{"class":778,"line":807},4,[809,815],{"type":51,"tag":139,"props":810,"children":812},{"style":811},"--shiki-light:#39ADB5;--shiki-default:#89DDFF;--shiki-dark:#89DDFF",[813],{"type":57,"value":814},"# ",{"type":51,"tag":139,"props":816,"children":818},{"style":817},"--shiki-light:#E2931D;--shiki-default:#FFCB6B;--shiki-dark:#FFCB6B",[819],{"type":57,"value":820},"借款合同审查 memo：\u003C合同名称>\n",{"type":51,"tag":139,"props":822,"children":823},{"class":778,"line":26},[824],{"type":51,"tag":139,"props":825,"children":826},{"emptyLinePlaceholder":801},[827],{"type":57,"value":804},{"type":51,"tag":139,"props":829,"children":831},{"class":778,"line":830},6,[832,837],{"type":51,"tag":139,"props":833,"children":834},{"style":811},[835],{"type":57,"value":836},"## ",{"type":51,"tag":139,"props":838,"children":839},{"style":817},[840],{"type":57,"value":841},"Reviewer note\n",{"type":51,"tag":139,"props":843,"children":845},{"class":778,"line":844},7,[846,851],{"type":51,"tag":139,"props":847,"children":848},{"style":811},[849],{"type":57,"value":850},"-",{"type":51,"tag":139,"props":852,"children":853},{"style":783},[854],{"type":57,"value":855}," 来源：\u003C文本清单（合同\u002F借条\u002F还款计划\u002F担保文件）及来源标注；playbook\n",{"type":51,"tag":139,"props":857,"children":859},{"class":778,"line":858},8,[860,865,870,876,881],{"type":51,"tag":139,"props":861,"children":862},{"style":783},[863],{"type":57,"value":864},"  立场 ",{"type":51,"tag":139,"props":866,"children":867},{"style":811},[868],{"type":57,"value":869},"[",{"type":51,"tag":139,"props":871,"children":873},{"style":872},"--shiki-light:#91B859;--shiki-default:#C3E88D;--shiki-dark:#C3E88D",[874],{"type":57,"value":875},"已确认—日期，是否经律师审定",{"type":51,"tag":139,"props":877,"children":878},{"style":811},[879],{"type":57,"value":880},"]",{"type":51,"tag":139,"props":882,"children":883},{"style":783},[884],{"type":57,"value":885},">\n",{"type":51,"tag":139,"props":887,"children":889},{"class":778,"line":888},9,[890,894],{"type":51,"tag":139,"props":891,"children":892},{"style":811},[893],{"type":57,"value":850},{"type":51,"tag":139,"props":895,"children":896},{"style":783},[897],{"type":57,"value":898}," 已读：\u003C全文 \u002F 指定范围；缺件说明>\n",{"type":51,"tag":139,"props":900,"children":902},{"class":778,"line":901},10,[903,907],{"type":51,"tag":139,"props":904,"children":905},{"style":811},[906],{"type":57,"value":850},{"type":51,"tag":139,"props":908,"children":909},{"style":783},[910],{"type":57,"value":911}," 标记：结论 🔴 不得推进 \u002F 🟡 需修订或需人判断 \u002F 🟢 可推进；\n",{"type":51,"tag":139,"props":913,"children":915},{"class":778,"line":914},11,[916],{"type":51,"tag":139,"props":917,"children":918},{"style":783},[919],{"type":57,"value":920},"  单项 = 法律风险轴（🔴🟠🟡🟢）× 商业摩擦轴（阻碍\u002F拖慢\u002F费解\u002F无感）\n",{"type":51,"tag":139,"props":922,"children":924},{"class":778,"line":923},12,[925,929],{"type":51,"tag":139,"props":926,"children":927},{"style":811},[928],{"type":57,"value":850},{"type":51,"tag":139,"props":930,"children":931},{"style":783},[932],{"type":57,"value":933}," 时效：\u003C法律状态核查日期；未核验写\"未核验\">\n",{"type":51,"tag":139,"props":935,"children":937},{"class":778,"line":936},13,[938,942],{"type":51,"tag":139,"props":939,"children":940},{"style":811},[941],{"type":57,"value":850},{"type":51,"tag":139,"props":943,"children":944},{"style":783},[945],{"type":57,"value":946}," 使用前注意：\u003C去向限制；非律师用户注明\"本 memo 不是法律意见\"；\n",{"type":51,"tag":139,"props":948,"children":950},{"class":778,"line":949},14,[951],{"type":51,"tag":139,"props":952,"children":953},{"style":783},[954],{"type":57,"value":955},"  超阈值或定性存疑时注明\"已触发升级\">\n",{"type":51,"tag":139,"props":957,"children":959},{"class":778,"line":958},15,[960],{"type":51,"tag":139,"props":961,"children":962},{"emptyLinePlaceholder":801},[963],{"type":57,"value":804},{"type":51,"tag":139,"props":965,"children":967},{"class":778,"line":966},16,[968,972],{"type":51,"tag":139,"props":969,"children":970},{"style":811},[971],{"type":57,"value":836},{"type":51,"tag":139,"props":973,"children":974},{"style":817},[975],{"type":57,"value":976},"执行摘要\n",{"type":51,"tag":139,"props":978,"children":980},{"class":778,"line":979},17,[981],{"type":51,"tag":139,"props":982,"children":983},{"style":783},[984],{"type":57,"value":985},"\u003C若定性异常或含藏条款，第一行必须是：本合同名为借款合同，实际含有\n",{"type":51,"tag":139,"props":987,"children":989},{"class":778,"line":988},18,[990],{"type":51,"tag":139,"props":991,"children":992},{"style":783},[993],{"type":57,"value":994},"XX 安排 \u002F 实为 XX 法律关系>\n",{"type":51,"tag":139,"props":996,"children":998},{"class":778,"line":997},19,[999],{"type":51,"tag":139,"props":1000,"children":1001},{"style":783},[1002],{"type":57,"value":1003},"\u003C三句话以内：立场（出借方\u002F借款方）、总体结论、最关键的一件事>\n",{"type":51,"tag":139,"props":1005,"children":1007},{"class":778,"line":1006},20,[1008],{"type":51,"tag":139,"props":1009,"children":1010},{"style":783},[1011],{"type":57,"value":1012},"\u003C机械性一行修改清单；需起草的只写\"建议转法务起草\">\n",{"type":51,"tag":139,"props":1014,"children":1016},{"class":778,"line":1015},21,[1017],{"type":51,"tag":139,"props":1018,"children":1019},{"emptyLinePlaceholder":801},[1020],{"type":57,"value":804},{"type":51,"tag":139,"props":1022,"children":1024},{"class":778,"line":1023},22,[1025,1029],{"type":51,"tag":139,"props":1026,"children":1027},{"style":811},[1028],{"type":57,"value":836},{"type":51,"tag":139,"props":1030,"children":1031},{"style":817},[1032],{"type":57,"value":1033},"标记项\n",{"type":51,"tag":139,"props":1035,"children":1037},{"class":778,"line":1036},23,[1038,1043,1048,1052,1057,1061,1066,1070,1075,1079,1084,1088,1093,1097,1102],{"type":51,"tag":139,"props":1039,"children":1040},{"style":811},[1041],{"type":57,"value":1042},"|",{"type":51,"tag":139,"props":1044,"children":1045},{"style":783},[1046],{"type":57,"value":1047}," # ",{"type":51,"tag":139,"props":1049,"children":1050},{"style":811},[1051],{"type":57,"value":1042},{"type":51,"tag":139,"props":1053,"children":1054},{"style":783},[1055],{"type":57,"value":1056}," 条款位置 ",{"type":51,"tag":139,"props":1058,"children":1059},{"style":811},[1060],{"type":57,"value":1042},{"type":51,"tag":139,"props":1062,"children":1063},{"style":783},[1064],{"type":57,"value":1065}," 问题 ",{"type":51,"tag":139,"props":1067,"children":1068},{"style":811},[1069],{"type":57,"value":1042},{"type":51,"tag":139,"props":1071,"children":1072},{"style":783},[1073],{"type":57,"value":1074}," 法律风险轴 ",{"type":51,"tag":139,"props":1076,"children":1077},{"style":811},[1078],{"type":57,"value":1042},{"type":51,"tag":139,"props":1080,"children":1081},{"style":783},[1082],{"type":57,"value":1083}," 商业摩擦轴 ",{"type":51,"tag":139,"props":1085,"children":1086},{"style":811},[1087],{"type":57,"value":1042},{"type":51,"tag":139,"props":1089,"children":1090},{"style":783},[1091],{"type":57,"value":1092}," 建议改法 ",{"type":51,"tag":139,"props":1094,"children":1095},{"style":811},[1096],{"type":57,"value":1042},{"type":51,"tag":139,"props":1098,"children":1099},{"style":783},[1100],{"type":57,"value":1101}," 依据 ",{"type":51,"tag":139,"props":1103,"children":1104},{"style":811},[1105],{"type":57,"value":1106},"|\n",{"type":51,"tag":139,"props":1108,"children":1110},{"class":778,"line":1109},24,[1111,1115,1120,1125,1129,1133,1137,1141,1145,1149,1153,1157,1161,1165,1169],{"type":51,"tag":139,"props":1112,"children":1113},{"style":811},[1114],{"type":57,"value":1042},{"type":51,"tag":139,"props":1116,"children":1117},{"style":811},[1118],{"type":57,"value":1119}," ---",{"type":51,"tag":139,"props":1121,"children":1122},{"style":811},[1123],{"type":57,"value":1124}," |",{"type":51,"tag":139,"props":1126,"children":1127},{"style":811},[1128],{"type":57,"value":1119},{"type":51,"tag":139,"props":1130,"children":1131},{"style":811},[1132],{"type":57,"value":1124},{"type":51,"tag":139,"props":1134,"children":1135},{"style":811},[1136],{"type":57,"value":1119},{"type":51,"tag":139,"props":1138,"children":1139},{"style":811},[1140],{"type":57,"value":1124},{"type":51,"tag":139,"props":1142,"children":1143},{"style":811},[1144],{"type":57,"value":1119},{"type":51,"tag":139,"props":1146,"children":1147},{"style":811},[1148],{"type":57,"value":1124},{"type":51,"tag":139,"props":1150,"children":1151},{"style":811},[1152],{"type":57,"value":1119},{"type":51,"tag":139,"props":1154,"children":1155},{"style":811},[1156],{"type":57,"value":1124},{"type":51,"tag":139,"props":1158,"children":1159},{"style":811},[1160],{"type":57,"value":1119},{"type":51,"tag":139,"props":1162,"children":1163},{"style":811},[1164],{"type":57,"value":1124},{"type":51,"tag":139,"props":1166,"children":1167},{"style":811},[1168],{"type":57,"value":1119},{"type":51,"tag":139,"props":1170,"children":1171},{"style":811},[1172],{"type":57,"value":1173}," |\n",{"type":51,"tag":139,"props":1175,"children":1177},{"class":778,"line":1176},25,[1178,1182,1187,1191,1196,1200,1205,1209,1214,1218,1223,1227,1232,1236,1241,1245,1249],{"type":51,"tag":139,"props":1179,"children":1180},{"style":811},[1181],{"type":57,"value":1042},{"type":51,"tag":139,"props":1183,"children":1184},{"style":783},[1185],{"type":57,"value":1186}," 1 ",{"type":51,"tag":139,"props":1188,"children":1189},{"style":811},[1190],{"type":57,"value":1042},{"type":51,"tag":139,"props":1192,"children":1193},{"style":783},[1194],{"type":57,"value":1195}," 第 X 条 ",{"type":51,"tag":139,"props":1197,"children":1198},{"style":811},[1199],{"type":57,"value":1042},{"type":51,"tag":139,"props":1201,"children":1202},{"style":783},[1203],{"type":57,"value":1204}," \u003C问题> ",{"type":51,"tag":139,"props":1206,"children":1207},{"style":811},[1208],{"type":57,"value":1042},{"type":51,"tag":139,"props":1210,"children":1211},{"style":783},[1212],{"type":57,"value":1213}," 🔴\u002F🟠\u002F🟡\u002F🟢 ",{"type":51,"tag":139,"props":1215,"children":1216},{"style":811},[1217],{"type":57,"value":1042},{"type":51,"tag":139,"props":1219,"children":1220},{"style":783},[1221],{"type":57,"value":1222}," 阻碍\u002F拖慢\u002F费解\u002F无感 ",{"type":51,"tag":139,"props":1224,"children":1225},{"style":811},[1226],{"type":57,"value":1042},{"type":51,"tag":139,"props":1228,"children":1229},{"style":783},[1230],{"type":57,"value":1231}," \u003C一行修改 或 \"建议转法务起草\"> ",{"type":51,"tag":139,"props":1233,"children":1234},{"style":811},[1235],{"type":57,"value":1042},{"type":51,"tag":139,"props":1237,"children":1238},{"style":811},[1239],{"type":57,"value":1240}," [",{"type":51,"tag":139,"props":1242,"children":1243},{"style":872},[1244],{"type":57,"value":483},{"type":51,"tag":139,"props":1246,"children":1247},{"style":811},[1248],{"type":57,"value":880},{"type":51,"tag":139,"props":1250,"children":1251},{"style":811},[1252],{"type":57,"value":1173},{"type":51,"tag":139,"props":1254,"children":1256},{"class":778,"line":1255},26,[1257],{"type":51,"tag":139,"props":1258,"children":1259},{"emptyLinePlaceholder":801},[1260],{"type":57,"value":804},{"type":51,"tag":139,"props":1262,"children":1264},{"class":778,"line":1263},27,[1265,1269],{"type":51,"tag":139,"props":1266,"children":1267},{"style":811},[1268],{"type":57,"value":836},{"type":51,"tag":139,"props":1270,"children":1271},{"style":817},[1272],{"type":57,"value":1273},"通过项（简表）\n",{"type":51,"tag":139,"props":1275,"children":1277},{"class":778,"line":1276},28,[1278],{"type":51,"tag":139,"props":1279,"children":1280},{"style":783},[1281],{"type":57,"value":1282},"\u003C符合 playbook 的条款，一行一条>\n",{"type":51,"tag":139,"props":1284,"children":1286},{"class":778,"line":1285},29,[1287],{"type":51,"tag":139,"props":1288,"children":1289},{"emptyLinePlaceholder":801},[1290],{"type":57,"value":804},{"type":51,"tag":139,"props":1292,"children":1294},{"class":778,"line":1293},30,[1295,1299],{"type":51,"tag":139,"props":1296,"children":1297},{"style":811},[1298],{"type":57,"value":836},{"type":51,"tag":139,"props":1300,"children":1301},{"style":817},[1302],{"type":57,"value":1303},"FYI\n",{"type":51,"tag":139,"props":1305,"children":1307},{"class":778,"line":1306},31,[1308],{"type":51,"tag":139,"props":1309,"children":1310},{"style":783},[1311],{"type":57,"value":1312},"\u003C偏离市场惯例但合法的记录>\n",{"type":51,"tag":139,"props":1314,"children":1316},{"class":778,"line":1315},32,[1317],{"type":51,"tag":139,"props":1318,"children":1319},{"emptyLinePlaceholder":801},[1320],{"type":57,"value":804},{"type":51,"tag":139,"props":1322,"children":1324},{"class":778,"line":1323},33,[1325,1330,1335,1339],{"type":51,"tag":139,"props":1326,"children":1327},{"style":811},[1328],{"type":57,"value":1329},"## [",{"type":51,"tag":139,"props":1331,"children":1332},{"style":872},[1333],{"type":57,"value":1334},"需复核",{"type":51,"tag":139,"props":1336,"children":1337},{"style":811},[1338],{"type":57,"value":880},{"type":51,"tag":139,"props":1340,"children":1341},{"style":817},[1342],{"type":57,"value":1343}," 清单\n",{"type":51,"tag":139,"props":1345,"children":1347},{"class":778,"line":1346},34,[1348,1353,1357,1361,1365],{"type":51,"tag":139,"props":1349,"children":1350},{"style":783},[1351],{"type":57,"value":1352},"\u003C全文内联 ",{"type":51,"tag":139,"props":1354,"children":1355},{"style":811},[1356],{"type":57,"value":869},{"type":51,"tag":139,"props":1358,"children":1359},{"style":872},[1360],{"type":57,"value":1334},{"type":51,"tag":139,"props":1362,"children":1363},{"style":811},[1364],{"type":57,"value":880},{"type":51,"tag":139,"props":1366,"children":1367},{"style":783},[1368],{"type":57,"value":1369}," 项的汇总（G8）>\n",{"type":51,"tag":139,"props":1371,"children":1373},{"class":778,"line":1372},35,[1374],{"type":51,"tag":139,"props":1375,"children":1376},{"emptyLinePlaceholder":801},[1377],{"type":57,"value":804},{"type":51,"tag":139,"props":1379,"children":1381},{"class":778,"line":1380},36,[1382,1386],{"type":51,"tag":139,"props":1383,"children":1384},{"style":811},[1385],{"type":57,"value":836},{"type":51,"tag":139,"props":1387,"children":1388},{"style":817},[1389],{"type":57,"value":1390},"下一步\n",{"type":51,"tag":139,"props":1392,"children":1394},{"class":778,"line":1393},37,[1395],{"type":51,"tag":139,"props":1396,"children":1397},{"style":783},[1398],{"type":57,"value":1399},"\u003C按第 7 步后果门的决策树展开>\n",{"type":51,"tag":59,"props":1401,"children":1403},{"id":1402},"常见误判与边界提示",[1404],{"type":57,"value":1402},{"type":51,"tag":76,"props":1406,"children":1407},{},[1408,1418,1434,1450,1466,1476],{"type":51,"tag":80,"props":1409,"children":1410},{},[1411,1416],{"type":51,"tag":84,"props":1412,"children":1413},{},[1414],{"type":57,"value":1415},"借条不等于借款合同全貌",{"type":57,"value":1417},"：只有借条没有借款合同时，交付凭证、\n还款记录、聊天记录都是认定本金与利率的材料；已读范围如实写明，\n不把「只有一张借条」当「没有风险」。",{"type":51,"tag":80,"props":1419,"children":1420},{},[1421,1426,1428,1432],{"type":51,"tag":84,"props":1422,"children":1423},{},[1424],{"type":57,"value":1425},"「月息 X 分」的换算歧义",{"type":57,"value":1427},"：分\u002F厘口径在年利率换算中歧义高发，\n一律要求换算成年利率并标 ",{"type":51,"tag":139,"props":1429,"children":1430},{},[1431],{"type":57,"value":1334},{"type":57,"value":1433},"，不凭习惯直接采信某一换算。",{"type":51,"tag":80,"props":1435,"children":1436},{},[1437,1442,1444,1448],{"type":51,"tag":84,"props":1438,"children":1439},{},[1440],{"type":57,"value":1441},"主体混同",{"type":57,"value":1443},"：法定代表人以个人名义借款用于公司经营、或夫妻一方\n举债的，债务人范围与共同债务认定是独立问题 ",{"type":51,"tag":139,"props":1445,"children":1446},{},[1447],{"type":57,"value":390},{"type":57,"value":1449},"，\n超出 playbook 时标 🟡 并建议律师介入。",{"type":51,"tag":80,"props":1451,"children":1452},{},[1453,1458,1460,1464],{"type":51,"tag":84,"props":1454,"children":1455},{},[1456],{"type":57,"value":1457},"借新还旧对担保的影响",{"type":57,"value":1459},"：借新还旧安排下担保责任的变化\n",{"type":51,"tag":139,"props":1461,"children":1462},{},[1463],{"type":57,"value":490},{"type":57,"value":1465},"——出借方视角\n重点核查，不能默认担保自然延续。",{"type":51,"tag":80,"props":1467,"children":1468},{},[1469,1474],{"type":51,"tag":84,"props":1470,"children":1471},{},[1472],{"type":57,"value":1473},"网贷\u002F平台借款文本",{"type":57,"value":1475},"：格式条款占比高、几乎没有谈判空间；按本\n技能审查，同时提示「不接受可能影响授信」的商业摩擦（商业摩擦轴：\n阻碍），由业务负责人拍板。",{"type":51,"tag":80,"props":1477,"children":1478},{},[1479,1484],{"type":51,"tag":84,"props":1480,"children":1481},{},[1482],{"type":57,"value":1483},"组合判断提示",{"type":57,"value":1485},"：单条看不严重的条款组合起来可能构成 🔴——典型\n如借款方视角下「前置扣费 + 高逾期利率 + 交叉违约 + 全额加速 +\n个人连带」的组合。分桶先看组合、再看单项。",{"type":51,"tag":59,"props":1487,"children":1489},{"id":1488},"本技能不做什么",[1490],{"type":57,"value":1488},{"type":51,"tag":174,"props":1492,"children":1493},{},[1494,1499,1504,1516,1521,1526,1531,1536],{"type":51,"tag":80,"props":1495,"children":1496},{},[1497],{"type":57,"value":1498},"不代拟借款合同或担保条款语言——需起草的一律「建议转法务起草」。",{"type":51,"tag":80,"props":1500,"children":1501},{},[1502],{"type":57,"value":1503},"不凭默认值给 🟢：playbook 未经律师审定时，结论天花板是 🟡。",{"type":51,"tag":80,"props":1505,"children":1506},{},[1507,1509,1514],{"type":57,"value":1508},"不写死利率上限数值：LPR 四倍规则未经 ",{"type":51,"tag":130,"props":1510,"children":1512},{"className":1511},[],[1513],{"type":57,"value":520},{"type":57,"value":1515}," 核验前，\nmemo 中只给口径说明，不给数字。",{"type":51,"tag":80,"props":1517,"children":1518},{},[1519],{"type":57,"value":1520},"不设硬编码阈值（利率多少算高、期限多长算长），一切比对画像\u002F\nplaybook 立场与经核验的法定上限。",{"type":51,"tag":80,"props":1522,"children":1523},{},[1524],{"type":57,"value":1525},"不替用户做放款\u002F借款的商业决策，只标风险与摩擦。",{"type":51,"tag":80,"props":1527,"children":1528},{},[1529],{"type":57,"value":1530},"不处理 🔴 事项的后续（不出绕行方案，生成律师 brief 后停止）。",{"type":51,"tag":80,"props":1532,"children":1533},{},[1534],{"type":57,"value":1535},"不做法律意见陈述：对非律师用户的全部输出受 G5 UPL 门控。",{"type":51,"tag":80,"props":1537,"children":1538},{},[1539,1541,1546],{"type":57,"value":1540},"不直接手改画像：现场取得的立场经 ",{"type":51,"tag":130,"props":1542,"children":1544},{"className":1543},[],[1545],{"type":57,"value":283},{"type":57,"value":1547}," 写回。",{"type":51,"tag":59,"props":1549,"children":1551},{"id":1550},"收尾与下一步",[1552],{"type":57,"value":1550},{"type":51,"tag":76,"props":1554,"children":1555},{},[1556,1561,1573,1592,1605,1617],{"type":51,"tag":80,"props":1557,"children":1558},{},[1559],{"type":57,"value":1560},"memo 交付后按第 7 步后果门分流：🔴 停止并转律师；🟡 修订后复审；\n🟢 走 G5 显式确认 + 律师 brief。",{"type":51,"tag":80,"props":1562,"children":1563},{},[1564,1566,1571],{"type":57,"value":1565},"含还款计划\u002F担保期间\u002F展期条款 → ",{"type":51,"tag":130,"props":1567,"children":1569},{"className":1568},[],[1570],{"type":57,"value":738},{"type":57,"value":1572}," 登记\ncontracts\u002Frenewal-register.yaml。",{"type":51,"tag":80,"props":1574,"children":1575},{},[1576,1578,1583,1585,1590],{"type":57,"value":1577},"全部引用过 ",{"type":51,"tag":130,"props":1579,"children":1581},{"className":1580},[],[1582],{"type":57,"value":751},{"type":57,"value":1584},"；条文原文经 ",{"type":51,"tag":130,"props":1586,"children":1588},{"className":1587},[],[1589],{"type":57,"value":520},{"type":57,"value":1591}," 核验\n（重点：LPR 四倍规则的现行司法解释文本、保证方式推定规则）。",{"type":51,"tag":80,"props":1593,"children":1594},{},[1595,1597,1603],{"type":57,"value":1596},"用户需要给业务方看的版本 → ",{"type":51,"tag":130,"props":1598,"children":1600},{"className":1599},[],[1601],{"type":57,"value":1602},"contract-summary",{"type":57,"value":1604},"（Quiet mode；上游\n严重度只作下限，降级须声明理由——G9）。",{"type":51,"tag":80,"props":1606,"children":1607},{},[1608,1610,1615],{"type":57,"value":1609},"进入多轮谈判或分期履行管理的，提示经 ",{"type":51,"tag":130,"props":1611,"children":1613},{"className":1612},[],[1614],{"type":57,"value":195},{"type":57,"value":1616}," 建档，\n后续展期、变更挂同一事项 slug。",{"type":51,"tag":80,"props":1618,"children":1619},{},[1620,1622,1627],{"type":57,"value":1621},"审查中发现画像借款立场缺失或覆盖不全的，提示经 ",{"type":51,"tag":130,"props":1623,"children":1625},{"className":1624},[],[1626],{"type":57,"value":283},{"type":57,"value":1628}," 完善\nplaybook——playbook 越完整且经律师审定，未来给出 🟢 的空间越大。",{"type":51,"tag":1630,"props":1631,"children":1632},"style",{},[1633],{"type":57,"value":1634},"html .light .shiki span {color: var(--shiki-light);background: var(--shiki-light-bg);font-style: var(--shiki-light-font-style);font-weight: var(--shiki-light-font-weight);text-decoration: var(--shiki-light-text-decoration);}html.light .shiki span {color: var(--shiki-light);background: var(--shiki-light-bg);font-style: var(--shiki-light-font-style);font-weight: var(--shiki-light-font-weight);text-decoration: var(--shiki-light-text-decoration);}html .default .shiki span {color: var(--shiki-default);background: var(--shiki-default-bg);font-style: var(--shiki-default-font-style);font-weight: var(--shiki-default-font-weight);text-decoration: var(--shiki-default-text-decoration);}html .shiki span {color: var(--shiki-default);background: var(--shiki-default-bg);font-style: var(--shiki-default-font-style);font-weight: var(--shiki-default-font-weight);text-decoration: var(--shiki-default-text-decoration);}html .dark .shiki span {color: var(--shiki-dark);background: var(--shiki-dark-bg);font-style: var(--shiki-dark-font-style);font-weight: var(--shiki-dark-font-weight);text-decoration: var(--shiki-dark-text-decoration);}html.dark .shiki span {color: var(--shiki-dark);background: var(--shiki-dark-bg);font-style: var(--shiki-dark-font-style);font-weight: var(--shiki-dark-font-weight);text-decoration: var(--shiki-dark-text-decoration);}",{"items":1636,"total":1837},[1637,1661,1677,1696,1711,1731,1749,1767,1782,1798,1817,1827],{"slug":1638,"name":1638,"fn":1639,"description":1640,"org":1641,"tags":1642,"stars":1658,"repoUrl":1659,"updatedAt":1660},"android-native-dev","develop Android native applications","Android native application development and UI design guide. Covers Material Design 3, Kotlin\u002FCompose development, project configuration, accessibility, and build troubleshooting. Read this before Android native application development.",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1643,1646,1649,1652,1655],{"name":1644,"slug":1645,"type":16},"Accessibility","accessibility",{"name":1647,"slug":1648,"type":16},"Android","android",{"name":1650,"slug":1651,"type":16},"Kotlin","kotlin",{"name":1653,"slug":1654,"type":16},"Mobile","mobile",{"name":1656,"slug":1657,"type":16},"UI Components","ui-components",13030,"https:\u002F\u002Fgithub.com\u002FMiniMax-AI\u002Fskills","2026-07-13T06:16:54.247834",{"slug":1662,"name":1662,"fn":1663,"description":1664,"org":1665,"tags":1666,"stars":1658,"repoUrl":1659,"updatedAt":1676},"buddy-sings","generate singing performances for AI companions","Use when user wants their Claude Code pet (\u002Fbuddy) to sing a song. Triggers on any request that combines the concept of their Claude Code buddy, pet, or companion with singing or music. Supports multilingual triggers — match equivalent phrases in any language.\n",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1667,1670,1673],{"name":1668,"slug":1669,"type":16},"Agents","agents",{"name":1671,"slug":1672,"type":16},"Audio","audio",{"name":1674,"slug":1675,"type":16},"Creative","creative","2026-07-13T06:16:35.130644",{"slug":1678,"name":1678,"fn":1679,"description":1680,"org":1681,"tags":1682,"stars":1658,"repoUrl":1659,"updatedAt":1695},"color-font-skill","select color palettes and font pairings","Choose presentation-ready color palettes and font pairings for PPT\u002Fdesign tasks. Use when users ask for visual theme choices, brand-safe palettes, or font recommendations. Triggers include: 配色, 色板, 字体, color palette, font, PPT配色, 字体搭配.",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1683,1686,1689,1692],{"name":1684,"slug":1685,"type":16},"Design","design",{"name":1687,"slug":1688,"type":16},"Presentations","presentations",{"name":1690,"slug":1691,"type":16},"Themes","themes",{"name":1693,"slug":1694,"type":16},"Typography","typography","2026-07-13T06:17:02.785587",{"slug":1697,"name":1697,"fn":1698,"description":1699,"org":1700,"tags":1701,"stars":1658,"repoUrl":1659,"updatedAt":1710},"design-style-skill","select visual design systems for presentations","Select a consistent visual design system for PPT slides using radius\u002Fspacing style recipes. Use when users ask for overall style direction or component styling consistency. Includes Sharp\u002FSoft\u002FRounded\u002FPill recipes, component mappings, typography\u002Fspacing rules, and mixing guidance. Triggers: 风格, style, radius, spacing, 圆角, 间距, PPT风格, 视觉风格, design style, component style.\n",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1702,1703,1706,1709],{"name":1684,"slug":1685,"type":16},{"name":1704,"slug":1705,"type":16},"Design System","design-system",{"name":1707,"slug":1708,"type":16},"PowerPoint","powerpoint",{"name":1687,"slug":1688,"type":16},"2026-07-13T06:17:10.398389",{"slug":1712,"name":1712,"fn":1713,"description":1714,"org":1715,"tags":1716,"stars":1658,"repoUrl":1659,"updatedAt":1730},"flutter-dev","build cross-platform apps with Flutter","Flutter cross-platform development guide covering widget patterns, Riverpod\u002FBloc state management, GoRouter navigation, performance optimization, and platform-specific implementations. Includes const optimization, responsive layouts, testing strategies, and DevTools profiling.\nUse when: building Flutter apps, implementing state management (Riverpod\u002FBloc), setting up GoRouter navigation, creating custom widgets, optimizing performance, writing widget tests, cross-platform development.\n",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1717,1720,1723,1724,1727],{"name":1718,"slug":1719,"type":16},"Dart","dart",{"name":1721,"slug":1722,"type":16},"Flutter","flutter",{"name":1653,"slug":1654,"type":16},{"name":1725,"slug":1726,"type":16},"Performance","performance",{"name":1728,"slug":1729,"type":16},"State Management","state-management","2026-07-13T06:16:36.626679",{"slug":1732,"name":1732,"fn":1733,"description":1734,"org":1735,"tags":1736,"stars":1658,"repoUrl":1659,"updatedAt":1748},"frontend-dev","build visually striking frontend web pages","Full-stack frontend development combining premium UI design, cinematic animations,\nAI-generated media assets, persuasive copywriting, and visual art. Builds complete,\nvisually striking web pages with real media, advanced motion, and compelling copy.\nUse when: building landing pages, marketing sites, product pages, dashboards,\ngenerating media assets (image\u002Fvideo\u002Faudio\u002Fmusic), writing conversion copy,\ncreating generative art, or implementing cinematic scroll animations.\n",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1737,1740,1741,1742,1745],{"name":1738,"slug":1739,"type":16},"Animation","animation",{"name":1674,"slug":1675,"type":16},{"name":1684,"slug":1685,"type":16},{"name":1743,"slug":1744,"type":16},"Frontend","frontend",{"name":1746,"slug":1747,"type":16},"Web Development","web-development","2026-07-13T06:16:39.108827",{"slug":1750,"name":1750,"fn":1751,"description":1752,"org":1753,"tags":1754,"stars":1658,"repoUrl":1659,"updatedAt":1766},"fullstack-dev","build full-stack web applications","Full-stack backend architecture and frontend-backend integration guide.\nTRIGGER when: building a full-stack app, creating REST API with frontend, scaffolding backend service,\nbuilding todo app, building CRUD app, building real-time app, building chat app,\nExpress + React, Next.js API, Node.js backend, Python backend, Go backend,\ndesigning service layers, implementing error handling, managing config\u002Fauth,\nsetting up API clients, implementing auth flows, handling file uploads,\nadding real-time features (SSE\u002FWebSocket), hardening for production.\nDO NOT TRIGGER when: pure frontend UI work, pure CSS\u002Fstyling, database schema only.\n",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1755,1758,1759,1762,1765],{"name":1756,"slug":1757,"type":16},"Backend","backend",{"name":1743,"slug":1744,"type":16},{"name":1760,"slug":1761,"type":16},"Full-stack","full-stack",{"name":1763,"slug":1764,"type":16},"REST API","rest-api",{"name":1746,"slug":1747,"type":16},"2026-07-13T06:16:43.219005",{"slug":1768,"name":1768,"fn":1769,"description":1770,"org":1771,"tags":1772,"stars":1658,"repoUrl":1659,"updatedAt":1781},"gif-sticker-maker","create animated GIF stickers from photos","Convert photos (people, pets, objects, logos) into 4 animated GIF stickers with captions.\nUse when: user wants to create cartoon stickers, GIF expressions, emoji packs, animated avatars,\nor convert photos to Funko Pop \u002F Pop Mart blind box style animations.\nTriggers: sticker, GIF, cartoon, emoji, expression pack, avatar animation.\n",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1773,1774,1775,1778],{"name":1738,"slug":1739,"type":16},{"name":1674,"slug":1675,"type":16},{"name":1776,"slug":1777,"type":16},"Images","images",{"name":1779,"slug":1780,"type":16},"Media","media","2026-07-13T06:16:51.74461",{"slug":1783,"name":1783,"fn":1784,"description":1785,"org":1786,"tags":1787,"stars":1658,"repoUrl":1659,"updatedAt":1797},"ios-application-dev","develop iOS applications with SwiftUI and UIKit","iOS application development guide covering UIKit, SnapKit, and SwiftUI. Includes touch targets, safe areas, navigation patterns, Dynamic Type, Dark Mode, accessibility, collection views, common UI components, and SwiftUI design guidelines. For detailed references on specific topics, see the reference files.\nUse when: developing iOS apps, implementing UI, reviewing iOS code, working with UIKit\u002FSnapKit\u002FSwiftUI layouts, building iPhone interfaces, Swift mobile development, Apple HIG compliance, iOS accessibility implementation.\n",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1788,1789,1792,1793,1796],{"name":1644,"slug":1645,"type":16},{"name":1790,"slug":1791,"type":16},"iOS","ios",{"name":1653,"slug":1654,"type":16},{"name":1794,"slug":1795,"type":16},"SwiftUI","swiftui",{"name":1656,"slug":1657,"type":16},"2026-07-13T06:16:55.686092",{"slug":1799,"name":1799,"fn":1800,"description":1801,"org":1802,"tags":1803,"stars":1658,"repoUrl":1659,"updatedAt":1816},"minimax-docx","create and edit DOCX documents","Professional DOCX document creation, editing, and formatting using OpenXML SDK (.NET). Three pipelines: (A) create new documents from scratch, (B) fill\u002Fedit content in existing documents, (C) apply template formatting with XSD validation gate-check. MUST use this skill whenever the user wants to produce, modify, or format a Word document — including when they say \"write a report\", \"draft a proposal\", \"make a contract\", \"fill in this form\", \"reformat to match this template\", or any task whose final output is a .docx file. Even if the user doesn't mention \"docx\" explicitly, if the task implies a printable\u002Fformal document, use this skill.\n",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1804,1807,1810,1813],{"name":1805,"slug":1806,"type":16},"Documents","documents",{"name":1808,"slug":1809,"type":16},"DOCX","docx",{"name":1811,"slug":1812,"type":16},"Office","office",{"name":1814,"slug":1815,"type":16},"Templates","templates","2026-07-13T06:16:40.461868",{"slug":1818,"name":1818,"fn":1819,"description":1820,"org":1821,"tags":1822,"stars":1658,"repoUrl":1659,"updatedAt":1826},"minimax-music-gen","generate music and audio tracks","Use when user wants to generate music, songs, or audio tracks. Triggers on any request involving music creation, song writing, lyrics generation, audio production, or covers. Also triggers when user provides lyrics and wants them turned into a song, or describes a mood\u002Fscene and wants background music. Supports multilingual triggers — match equivalent phrases in any language. Do NOT use for music playback of existing files, music theory questions, or music recommendation without generation.\n",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1823,1824,1825],{"name":1671,"slug":1672,"type":16},{"name":1674,"slug":1675,"type":16},{"name":1779,"slug":1780,"type":16},"2026-07-13T06:16:50.381758",{"slug":1828,"name":1828,"fn":1829,"description":1830,"org":1831,"tags":1832,"stars":1658,"repoUrl":1659,"updatedAt":1836},"minimax-music-playlist","generate personalized music playlists","Generate personalized music playlists by analyzing the user's music taste and generation feedback history. Triggers on any request involving playlist generation, music taste profiling, or personalized music recommendations. Supports multilingual triggers — match equivalent phrases in any language.\n",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1833,1834,1835],{"name":1671,"slug":1672,"type":16},{"name":1674,"slug":1675,"type":16},{"name":1779,"slug":1780,"type":16},"2026-07-13T06:16:57.002997",141,{"items":1839,"total":1938},[1840,1856,1873,1886,1897,1910,1919],{"slug":1841,"name":1841,"fn":1842,"description":1843,"org":1844,"tags":1845,"stars":26,"repoUrl":27,"updatedAt":1855},"article2tasks","convert articles into Dida365 tasks","将技术周报（批量）或单篇文章整理为滴答清单待办事项，自动分类到已有清单并打标签，全程通过 MCP 写入，跨平台无需任何本地脚本。当用户提供周报内容、文章链接，或提及「周报」「文章汇总」「添加到滴答」时，使用此技能。",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1846,1849,1852],{"name":1847,"slug":1848,"type":16},"Content Creation","content-creation",{"name":1850,"slug":1851,"type":16},"MCP","mcp",{"name":1853,"slug":1854,"type":16},"Task Management","task-management","2026-08-18T03:49:38.751656",{"slug":1857,"name":1857,"fn":1858,"description":1859,"org":1860,"tags":1861,"stars":26,"repoUrl":27,"updatedAt":1872},"binder-agent-eval","evaluate LLM agent decision quality","当需要在相同的阶段输入上评测 LLM agent 的结构化决策、或对比多个 provider 的决策质量时使用；对应 openbinder evaluate-agent（--provider\u002F--compare\u002F--case）与 openbinder provider doctor。典型触发语：\"用 mock provider 跑一遍 decision case 评测\"\"对比一下几个 provider 在同一批 case 上的表现\"\"先 doctor 一下 minimax 配置通不通\"。同义场景：agent 评测、decision evaluation、visible\u002Fhidden 分层、泄露检查、provider 对比、冻结决策。",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1862,1863,1866,1869],{"name":1668,"slug":1669,"type":16},{"name":1864,"slug":1865,"type":16},"Benchmarking","benchmarking",{"name":1867,"slug":1868,"type":16},"Evals","evals",{"name":1870,"slug":1871,"type":16},"LLM","llm","2026-08-27T13:32:30.156635",{"slug":1874,"name":1874,"fn":1875,"description":1876,"org":1877,"tags":1878,"stars":26,"repoUrl":27,"updatedAt":1885},"binder-handoff","export and validate binder task packages","当需要把 binder 设计算力任务打包交给外部平台（Claude Science 或自有服务器）、或校验\u002F导入外部返回的结果包时使用；对应 openbinder handoff export\u002Fvalidate\u002Fimport。典型触发语：\"把这个 target 打包成 handoff 任务包\"\"校验一下对方返回的 result package\"\"把外部算回来的结果导入进来\"。同义场景：external handoff、任务包导出、结果包校验、回传包导入、RUNBOOK。",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1879,1882],{"name":1880,"slug":1881,"type":16},"Automation","automation",{"name":1883,"slug":1884,"type":16},"Data Engineering","data-engineering","2026-08-27T13:32:32.957864",{"slug":1887,"name":1887,"fn":1888,"description":1889,"org":1890,"tags":1891,"stars":26,"repoUrl":27,"updatedAt":1896},"binder-protocol","compile and validate binder design protocols","当需要把 binder 设计协议草稿编译成结构化 protocol.yaml、校验协议、或按阶段切出 stage slice 时使用；对应 openbinder protocol validate\u002Fcompile\u002Fshow 三个子命令。典型触发语：\"把这份 protocol 草稿编译一下\"\"校验这个 protocol.yaml\"\"把 cofold_scoring 阶段的切片拿出来\"。同义场景：协议编译、protocol compiler、十阶段、stage slice、阶段上下文、protocol validate。",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1892,1893],{"name":1880,"slug":1881,"type":16},{"name":1894,"slug":1895,"type":16},"YAML","yaml","2026-08-27T13:32:33.760978",{"slug":1898,"name":1898,"fn":1899,"description":1900,"org":1901,"tags":1902,"stars":26,"repoUrl":27,"updatedAt":1909},"binder-ranking-audit","audit binder campaign ranking results","当需要重算并审计 binder campaign 的候选排序、核对 recorded 与 recomputed 是否一致时使用；对应 openbinder audit-ranking（--fixture\u002F--source）。典型触发语：\"审计一下这个 campaign 的排序\"\"recorded 和 recomputed 对得上吗\"\"重算 top-N 命中率和 Spearman\"。同义场景：ranking audit、排序审计、ensemble 重算、hit rate、缺失数据处理、missing data 报告。",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1903,1906],{"name":1904,"slug":1905,"type":16},"Data Analysis","data-analysis",{"name":1907,"slug":1908,"type":16},"QA","qa","2026-08-27T13:32:34.155444",{"slug":1911,"name":1911,"fn":1912,"description":1913,"org":1914,"tags":1915,"stars":26,"repoUrl":27,"updatedAt":1918},"binder-replay","replay binder design campaigns","当需要回放已记录的 binder 设计 campaign、重现每一步\"当时知道什么、决定了什么\"时使用；对应 openbinder replay（--fixture\u002F--events\u002F--source）。典型触发语：\"帮我回放一下 IL-7Ra 的 binder campaign\"\"回放那个失败的 campaign\"\"看看当时每一步都知道了什么\"。同义场景：campaign replay、事件流回放、replay report、gap 分析、时间线重建。",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1916,1917],{"name":1880,"slug":1881,"type":16},{"name":1904,"slug":1905,"type":16},"2026-08-27T13:32:33.346398",{"slug":1920,"name":1920,"fn":1921,"description":1922,"org":1923,"tags":1924,"stars":26,"repoUrl":27,"updatedAt":1937},"binder-report","generate final reports from agent artifacts","当需要把 output\u002F 下已产生的 replay、agent 评测、ranking 审计产物汇总成最终报告束时使用；收集既有 artifact、按六类证据分级标注、生成 limitations 并提交 stage-gate 审批。典型触发语：\"把这些产物汇总成最终报告\"\"出一份 binder 最终报告和 limitations\"\"把 replay\u002F评测\u002F审计结果打包成报告束\"。同义场景：最终报告、报告束、evidence grading、limitations、claim check、收尾报告。",{"slug":8,"name":9,"logoUrl":10,"githubOrg":11},[1925,1928,1931,1934],{"name":1926,"slug":1927,"type":16},"Documentation","documentation",{"name":1929,"slug":1930,"type":16},"Operations","operations",{"name":1932,"slug":1933,"type":16},"Reporting","reporting",{"name":1935,"slug":1936,"type":16},"Summarization","summarization","2026-08-27T13:32:26.101404",93]